Product Owner / Business Analyst / SME - Global Money Transfer Practice SME

We are building the next generation of our International Payments Platform, enabling seamless, compliant, and low-friction cross-border transactions for retail and corporate customers.

We''re looking for a hybrid Product Owner / Business Analyst who can bridge deep payments domain expertise with sharp analytical skills. You will own the product backlog for one or more squads-covering areas like FX pricing, payment rails, sanctions screening, or beneficiary management-while writing crisp user stories from complex regulatory and technical requirements., Product Ownership

· Own, prioritize, and refine the squad backlog, ensuring every story delivers measurable customer and business value alongside mandatory compliance outcomes.

· Define and communicate a clear sprint goal aligned to the broader payment's platform roadmap and OKRs.

· Make real-time scope trade-off decisions during sprints, balancing speed-to-market against non-negotiables like regulatory adherence and operational risk.

· Manage stakeholder expectations across Business, Operations, Compliance, Treasury, and Technology, speaking each team''s language fluently.

Business Analysis

· Elicit, document, and validate detailed functional and non-functional requirements for international payment journeys-creation, enrichment, repair, FX execution, settlement, and investigations.

· Map AS-IS and TO-BE payment flows using sequence diagrams or BPMN, highlighting impacts on legacy systems, API layers, and third-party vendors (e.g., SWIFT, Ripple, local clearing schemes).

· Translate complex rule engines and screening logic (sanctions, AML, fraud) into clear, testable acceptance criteria.

· Write interface specifications and message mapping documents-experience with ISO 20022 (MX, PACS, CAMT), SWIFT MT, or FIX protocol messages is a distinct advantage.

Data-Driven & Control Aware

· Define and track product metrics: payment success rates, STP (straight-through processing) %, FX margin leakage, repair rates, and investigation cycle time.

· Write clear UAT and BAT (Business Acceptance Testing) scripts for operations and compliance users.

· Ensure all backlog items incorporate the bank''s risk and control framework-audit trails, reconciliation controls, dual-approval thresholds-from the start, not as afterthoughts.

· 4+ years as a Product Owner, Business Analyst, or hybrid role within payments-international/cross-border experience preferred.

· Domain knowledge: correspondent banking, SWIFT, local ACH/RTGS schemes, SEPA, Faster Payments, or emerging rails like blockchain-based settlement.

· Familiarity with regulatory and compliance frameworks that shape payments: AML, sanctions screening (OFAC, EU, UN), PSD2/PSR, travel rule.

· Proven ability to write high-quality user stories with detailed acceptance criteria, aligning to a Definition of Ready.

· Strong data analysis skills-comfortable querying transaction data (SQL) or analyzing transaction traces to identify patterns and breaks.

Desirable

· Hands-on experience with ISO 20022 migration or coexistence with MT messaging.

· Knowledge of FX markets: spot, forwards, spreads, auto-hedging logic, and how these translate into product features.

· Experience working on multi-currency accounts, virtual IBANs, or real-time cross-border propositions.

· CSPO, PSPO, or IIBA (CBAP, CCBA) certification.

· Exposure to API-driven banking and open banking standards (PSD2, UK OB, BaaS platforms).